B+S BANKSYSTEME AG (DTD2.DE) Stock Fundamental Analysis
Europe - FRA:DTD2 - DE0001262152 - Common Stock
2.1 EUR
+0.04 (+1.94%)
We assign a fundamental rating of 5 out of 10 to DTD2. DTD2 was compared to 103 industry peers in the Software industry. While DTD2 belongs to the best of the industry regarding profitability, there are concerns on its financial health. A decent growth rate in combination with a cheap valuation! Better keep an eye on DTD2.
1. Profitability
1.1 Basic Checks
DTD2 had positive earnings in the past year.
In the past year DTD2 had a positive cash flow from operations.
DTD2 had positive earnings in 4 of the past 5 years.
In the past 5 years DTD2 always reported a positive cash flow from operatings.
1.2 Ratios
DTD2's Return On Assets of 6.15% is in line compared to the rest of the industry. DTD2 outperforms 59.22% of its industry peers.
The Return On Equity of DTD2 (11.23%) is better than 60.19% of its industry peers.
The Return On Invested Capital of DTD2 (8.15%) is better than 64.08% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for DTD2 is significantly below the industry average of 12.76%.
The last Return On Invested Capital (8.15%) for DTD2 is above the 3 year average (2.95%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.15% | ||
| ROE | 11.23% | ||
| ROIC | 8.15% |
ROA(3y)2.18%
ROA(5y)1.24%
ROE(3y)4.04%
ROE(5y)2.25%
ROIC(3y)2.95%
ROIC(5y)N/A
1.3 Margins
DTD2's Profit Margin of 13.23% is fine compared to the rest of the industry. DTD2 outperforms 64.08% of its industry peers.
DTD2's Profit Margin has improved in the last couple of years.
The Operating Margin of DTD2 (17.40%) is better than 71.84% of its industry peers.
DTD2's Operating Margin has improved in the last couple of years.
DTD2 has a better Gross Margin (91.19%) than 88.35% of its industry peers.
In the last couple of years the Gross Margin of DTD2 has declined.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 17.4% | ||
| PM (TTM) | 13.23% | ||
| GM | 91.19% |
OM growth 3Y90.37%
OM growth 5YN/A
PM growth 3Y74.14%
PM growth 5YN/A
GM growth 3Y-1.2%
GM growth 5Y-1.67%
2. Health
2.1 Basic Checks
DTD2 has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
DTD2 has about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for DTD2 remains at a similar level compared to 5 years ago.
The debt/assets ratio for DTD2 has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 1.81, we must say that DTD2 is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of DTD2 (1.81) is worse than 65.05% of its industry peers.
The Debt to FCF ratio of DTD2 is 4.34, which is a neutral value as it means it would take DTD2, 4.34 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 4.34, DTD2 perfoms like the industry average, outperforming 55.34% of the companies in the same industry.
DTD2 has a Debt/Equity ratio of 0.30. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of DTD2 (0.30) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 4.34 | ||
| Altman-Z | 1.81 |
ROIC/WACC1.15
WACC7.08%
2.3 Liquidity
A Current Ratio of 0.99 indicates that DTD2 may have some problems paying its short term obligations.
DTD2 has a Current ratio of 0.99. This is in the lower half of the industry: DTD2 underperforms 69.90% of its industry peers.
A Quick Ratio of 0.99 indicates that DTD2 may have some problems paying its short term obligations.
DTD2 has a Quick ratio of 0.99. This is in the lower half of the industry: DTD2 underperforms 67.96% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.99 | ||
| Quick Ratio | 0.99 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 108.91% over the past year.
The Earnings Per Share has been growing by 86.02% on average over the past years. This is a very strong growth
DTD2 shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.82%.
Measured over the past years, DTD2 shows a small growth in Revenue. The Revenue has been growing by 7.04% on average per year.
EPS 1Y (TTM)108.91%
EPS 3Y86.02%
EPS 5YN/A
EPS Q2Q%138.1%
Revenue 1Y (TTM)8.82%
Revenue growth 3Y6.8%
Revenue growth 5Y7.04%
Sales Q2Q%3.23%
3.2 Future
The Earnings Per Share is expected to grow by 15.97% on average over the next years. This is quite good.
DTD2 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.26% yearly.
EPS Next Y41.67%
EPS Next 2Y29.1%
EPS Next 3Y20.51%
EPS Next 5Y15.97%
Revenue Next Year3.31%
Revenue Next 2Y4.84%
Revenue Next 3Y4.73%
Revenue Next 5Y4.26%
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 7.78, which indicates a rather cheap valuation of DTD2.
Based on the Price/Earnings ratio, DTD2 is valued cheaper than 96.12% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.51. DTD2 is valued rather cheaply when compared to this.
DTD2 is valuated reasonably with a Price/Forward Earnings ratio of 10.29.
DTD2's Price/Forward Earnings ratio is rather cheap when compared to the industry. DTD2 is cheaper than 91.26% of the companies in the same industry.
DTD2's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.53.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.78 | ||
| Fwd PE | 10.29 |
4.2 Price Multiples
95.15% of the companies in the same industry are more expensive than DTD2, based on the Enterprise Value to EBITDA ratio.
88.35% of the companies in the same industry are more expensive than DTD2, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.27 | ||
| EV/EBITDA | 5.44 |
4.3 Compensation for Growth
DTD2's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
DTD2 has a very decent profitability rating, which may justify a higher PE ratio.
DTD2's earnings are expected to grow with 20.51% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.19
PEG (5Y)N/A
EPS Next 2Y29.1%
EPS Next 3Y20.51%
5. Dividend
5.1 Amount
No dividends for DTD2!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
FRA:DTD2 (11/3/2025, 7:00:00 PM)
2.1
+0.04 (+1.94%)
Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)
Earnings (Next)
Inst Owners11.11%
Inst Owner ChangeN/A
Ins Owners56.39%
Ins Owner ChangeN/A
Market Cap13.04M
Revenue(TTM)12.90M
Net Income(TTM)1.71M
Analysts82.86
Price Target4.59 (118.57%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)-10.53%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.85%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.78 | ||
| Fwd PE | 10.29 | ||
| P/S | 1.01 | ||
| P/FCF | 10.27 | ||
| P/OCF | 10.57 | ||
| P/B | 0.86 | ||
| P/tB | 4.56 | ||
| EV/EBITDA | 5.44 |
EPS(TTM)0.27
EY12.86%
EPS(NY)0.2
Fwd EY9.71%
FCF(TTM)0.2
FCFY9.74%
OCF(TTM)0.2
OCFY9.46%
SpS2.08
BVpS2.45
TBVpS0.46
PEG (NY)0.19
PEG (5Y)N/A
Graham Number3.86
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.15% | ||
| ROE | 11.23% | ||
| ROCE | 10.96% | ||
| ROIC | 8.15% | ||
| ROICexc | 8.54% | ||
| ROICexgc | 23.09% | ||
| OM | 17.4% | ||
| PM (TTM) | 13.23% | ||
| GM | 91.19% | ||
| FCFM | 9.84% |
ROA(3y)2.18%
ROA(5y)1.24%
ROE(3y)4.04%
ROE(5y)2.25%
ROIC(3y)2.95%
ROIC(5y)N/A
ROICexc(3y)3.25%
ROICexc(5y)N/A
ROICexgc(3y)10.17%
ROICexgc(5y)N/A
ROCE(3y)3.98%
ROCE(5y)N/A
ROICexgc growth 3Y118.37%
ROICexgc growth 5YN/A
ROICexc growth 3Y110.38%
ROICexc growth 5YN/A
OM growth 3Y90.37%
OM growth 5YN/A
PM growth 3Y74.14%
PM growth 5YN/A
GM growth 3Y-1.2%
GM growth 5Y-1.67%
F-Score6
Asset Turnover0.47
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.3 | ||
| Debt/FCF | 4.34 | ||
| Debt/EBITDA | 1.42 | ||
| Cap/Depr | 3.62% | ||
| Cap/Sales | 0.28% | ||
| Interest Coverage | 9.93 | ||
| Cash Conversion | 38.09% | ||
| Profit Quality | 74.4% | ||
| Current Ratio | 0.99 | ||
| Quick Ratio | 0.99 | ||
| Altman-Z | 1.81 |
F-Score6
WACC7.08%
ROIC/WACC1.15
Cap/Depr(3y)2.14%
Cap/Depr(5y)4.94%
Cap/Sales(3y)0.26%
Cap/Sales(5y)0.74%
Profit Quality(3y)3082.14%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)108.91%
EPS 3Y86.02%
EPS 5YN/A
EPS Q2Q%138.1%
EPS Next Y41.67%
EPS Next 2Y29.1%
EPS Next 3Y20.51%
EPS Next 5Y15.97%
Revenue 1Y (TTM)8.82%
Revenue growth 3Y6.8%
Revenue growth 5Y7.04%
Sales Q2Q%3.23%
Revenue Next Year3.31%
Revenue Next 2Y4.84%
Revenue Next 3Y4.73%
Revenue Next 5Y4.26%
EBIT growth 1Y270.46%
EBIT growth 3Y103.31%
EBIT growth 5YN/A
EBIT Next Year116.67%
EBIT Next 3Y35.72%
EBIT Next 5Y22.36%
FCF growth 1Y-9.42%
FCF growth 3Y62.88%
FCF growth 5YN/A
OCF growth 1Y-14.19%
OCF growth 3Y57.27%
OCF growth 5YN/A
B+S BANKSYSTEME AG / DTD2.DE FAQ
Can you provide the ChartMill fundamental rating for B+S BANKSYSTEME AG?
ChartMill assigns a fundamental rating of 5 / 10 to DTD2.DE.
Can you provide the valuation status for B+S BANKSYSTEME AG?
ChartMill assigns a valuation rating of 9 / 10 to B+S BANKSYSTEME AG (DTD2.DE). This can be considered as Undervalued.
Can you provide the profitability details for B+S BANKSYSTEME AG?
B+S BANKSYSTEME AG (DTD2.DE) has a profitability rating of 7 / 10.
Can you provide the PE and PB ratios for DTD2 stock?
The Price/Earnings (PE) ratio for B+S BANKSYSTEME AG (DTD2.DE) is 7.78 and the Price/Book (PB) ratio is 0.86.
How financially healthy is B+S BANKSYSTEME AG?
The financial health rating of B+S BANKSYSTEME AG (DTD2.DE) is 3 / 10.